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SIP Calculator
Estimate SIP maturity value, total invested amount, and gains from monthly investments and expected returns.
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Version 1.0.0 · Last reviewed
How it worksShow guide
Introduction
A Systematic Investment Plan (SIP) invests a fixed amount every month. This calculator estimates maturity value using expected annual return with monthly compounding.
Disclaimer: This tool is for informational purposes only and is not professional medical, pharmaceutical, financial, or tax advice. Always verify doses with a licensed clinician or pharmacist.
Formula
SIP future value assumes a fixed monthly investment with monthly compounding. r is the monthly rate and n is the number of months.
- P — Monthly investment amount
- r — Monthly rate (annual rate ÷ 12 ÷ 100)
- n — Number of months
- FV — Estimated maturity value
Step-by-step
- Enter how much you will invest each month.
- Enter the expected annual return as a percent.
- Enter the investment tenure in years.
- Future value uses the standard SIP annuity formula with monthly compounding.
Worked example
Investing $5,000 monthly for 10 years at 12% expected return grows to roughly $11.6 lakh-scale maturity (exact figure depends on monthly compounding).
Use cases
- Plan a monthly mutual fund contribution
- Compare tenures and expected returns
- Estimate long-term wealth building goals
Frequently asked questions
Is the return guaranteed?
No. This is an estimate based on a constant expected rate. Real mutual fund NAVs fluctuate.
When is the installment assumed?
The formula used here assumes end-of-period contributions with the (1+r) factor — a common SIP future-value convention.
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